First State Bank (Russellville, AR)
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Data as of · sourced from FFIEC call reports. How we update
First State Bank is an FDIC-insured commercial bank headquartered in Russellville, AR, established in 1934 (FDIC certificate 13632), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $665.4M, up 11.2% from Q2 2025, the 32nd largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 15.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13632
- Headquarters
- Russellville, AR
- Established
- 1934
- Total assets, Q2 2026
- $665.4M
- Assets vs Q2 2025
- +11.2%
- CET1 ratio, Q2 2026
- 15.08%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082902430
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank call report
- Holding company
- FIRST BANK CORP
- Asset rank in state
- 32nd of 78 in Arkansas
First State Bank, based in Russellville, Arkansas, reported $665 million in assets at June 30, 2026, up 11.2% from a year earlier. It pays an average of 0.07% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter slipped 14% from a year earlier, to $1.5 million. Over the same year, loans grew 12.7% and deposits grew 3.6%. Profitability lags: it returns 6.7% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, First State Bank reported a CET1 capital ratio of 15.08%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.29%. The figures come from its call report filed with the FFIEC.
First State Bank ranks as the 32nd largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.7% to $665.4M, loans rose 2.4% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.3%. The FDIC Summary of Deposits lists 5 offices for it, in Russellville, AR, Ola, AR and Fayetteville, AR; its Russellville 3 offices book 85% of its branch deposits. Judged on its Q2 2026 call report, First State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3103 E Main St, Russellville, AR 72802
- County
- Pope
- Metro Area
- Russellville, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 12, 1934
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $547.0M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $660.1M
- Average total loans
- $452.0M
- Average interest-bearing deposits
- $437.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 12, 1934
- FDIC Cert
- 13632
- Fed RSSD
- 114840
- Website
- www.fsbmybank.com →
- Parent Holding Company
- FIRST BANK CORP (RSSD 1491360)
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First State Bank's total assets ran between $507.9M (Q3 2023) and $665.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$665.4M total assets against $598.2M; $556.6M total liabilities against $537.1M.
$454.9M net loans and leases against $402.7M; $547.0M total deposits against $527.9M.
$91.6M securities against $106.6M; $48.3M cash and balances due against $59.5M.
$199K total interest income against $8.2M; $100K total interest expense against $3.2M.
$99K net interest income against $4.9M.
$71K total noninterest income against $510K; -$1.6M total noninterest expense against $3.0M.
-$7K provision for credit losses against $225K.
$1.5M net income against $1.7M.
0.89% return on assets against 1.14%.
15.08% CET1 capital ratio against 15.20%; 11.42% tier 1 leverage ratio against 11.04%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First State Bank rankings
Its closest position to the top of a national ranking is 1,416 of 4,196, for total assets; its furthest is 3,097 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.32% (Q1 2026) to 1.44% (Q4 2025) and its net interest margin ran from 3.31% (Q1 2025) to 3.75% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.08% | 0.89% | 0.04% | 0.29% | — |
| Q1 2026 | 14.98% | 0.32% | 0.01% | 0.08% | 3.72% |
| Q4 2025 | 15.12% | 1.44% | 0.00% | 0.00% | 3.75% |
| Q3 2025 | 14.81% | 1.32% | 0.00% | 0.13% | 3.68% |
| Q2 2025 | 15.20% | 1.14% | 0.00% | 0.13% | 3.45% |
| Q1 2025 | 15.22% | 1.26% | 0.02% | 0.24% | 3.31% |
| Q4 2024 | 14.52% | 1.32% | 0.02% | 0.11% | 3.37% |
| Q3 2024 | 14.53% | 1.12% | 0.02% | 0.11% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Russellville , AR | 72802 | $235.1M |
| Russellville Branch | Russellville , AR | 72801 | $181.5M |
| West Main Branch | Russellville , AR | 72801 | $47.7M |
| Ola Branch | Ola , AR | 72853 | $46.8M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $35.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in AR, rank 37 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 108 applications, 106 loans originated, $28.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $601K approved, $601K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank
What are First State Bank's total assets?
As of the Q2 2026 filing, First State Bank reported total assets of $665.4 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Russellville, AR, United States.
When was First State Bank founded?
It was established in 1934, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank?
First State Bank's primary federal regulator is the Federal Reserve.
What is First State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank's Texas Ratio?
Its Texas Ratio is 0.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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